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Checking Account

Smarter Checking with Greater Alliance

We offer checking accounts with something for everyone. Click Here to view all our checking accounts at a glance.

Premier Checking

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Your hard-earned money needs a high-interest checking account!

  • Earn 2.55% APY1 on balances between $5,000 – $25,0002
  • $5,000 initial deposit and minimum balance required
  • $500 monthly Direct Deposit required into the checking account and must enroll for Online Banking and e-Statement to earn interest
  • No monthly maintenance charge
  • Unlimited check writing
  • Choose from a wide variety of designs and get the first order of checks for FREE3
  • A FREE EMV VISA® Debit Card with a $500 ATM daily withdrawal amount and $2,500 Point of Sale daily limit.  With our Debit Card you will also receive Purchase Rewards, Debit Card Fraud Alert and Mobile Wallet
  • FREE Online and Mobile Banking, Bill Pay, eStatements, Mobile Check Deposit and 24 hour Telephone BankingLearn more
  • Unlimited FREE ATM transactions at any GAFCU, Allpoint and CO-OP ATMs
  • 1.APY = Annual Percentage Yield will be paid for all balances between $5,000 – $25,000 and for balances above $25,000 0.15% APY will be paid. 2. If the account balance falls below $5,000 during any month a $15 minimum balance fee will assessed and no interest will be paid during that month. Only one Premier checking account per member. Member must enroll for Online Banking and e-Statements and must have $500 direct deposit into the checking account each month. If these conditions are not met during any time of the month no interest will be paid on the account. Minimum deposit of $5,000 is required to open the checking account. 3. First order of checks provided up to $25 value including shipping. All individuals must have or open a share (savings) account and are required to maintain a minimum balance of $100 in their personal savings account after their first six months of becoming a member. Fees could reduce the earnings on the account. All terms are subject to change without notice and all members subject to review by ChexSystems. Accounts only available to members and membership in the credit union requires a minimum deposit of $100.

Easy Checking

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Greater Alliance provides you with a no hassle checking account. Easy Checking has no minimum balance and no maintenance fees.

  • $50 initial deposit
  • No minimum balance requirement
  • No monthly maintenance charge
  • Unlimited check writing
  • First 40 Free Greater Alliance custom checks provided upon request
  • A FREE EMV VISA® Debit Card with a $500 ATM daily withdrawal amount and $2,500 Point of Sale daily limit. With our Debit Card you will also receive Purchase Rewards, Debit Card Fraud Alert and Mobile Wallet
  • FREE Online and Mobile Banking, Mobile Check Deposit, Bill Pay, eStatements, and 24 hour Telephone Banking – Learn more
  • Direct Deposit available
  • Unlimited FREE ATM transactions at any GAFCU, Allpoint and CO-OP ATMs

Fresh Start Checking

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A second chance at banking right. We provide you with a way to have the account that you deserve without any complications. Didn’t pass Chexsystems? No problem! Start with our Fresh Start Checking and after 6 months, progress onto any of our other checking accounts.

  • $50 initial deposit
  • No minimum balance requirement
  • First 40 FREE Greater Alliance custom checks provided upon request
  • FREE unlimited check writing
  • $15 monthly service charge
  • $500 ATM daily withdrawal amount
  • A FREE EMV VISA® Debit Card with a $300 ATM daily withdrawal amount and $500 Point of Sale daily limit. With our Debit Card you will also receive Purchase Rewards, Debit Card Fraud Alert and Mobile Wallet
  • FREE Online and Mobile Banking, Mobile Check Deposit, Bill Pay, eStatements, and 24 hour Telephone Banking – Learn more
  • Direct Deposit available
  • Unlimited FREE ATM transactions at any GAFCU, Allpoint and CO-OP ATMs
  • ** After 6 months, the member must initiate the request to change to a different checking account as long as there has been no NSF’s return deposit items or negative balance on the share draft account and there are no additional derogatory items reported to Chexsystem.

The Edge Checking

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When you hit high school or get ready to head off to college, The Edge Checking account is the next step to well-managed financial independence.

  • For members from 15 to 21 years old*
  • FREE VISA® Debit Card
  • $5 minimum opening balance
  • No monthly service charges
  • First 40 Free Greater Alliance custom checks provided upon request
  • A FREE EMV VISA® Debit Card with a $500 ATM daily withdrawal amount and $500 Point of Sale daily limit. With our Debit Card you will also receive Purchase Rewards, Debit Card Fraud Alert and Mobile Wallet
  • FREE Online and Mobile Banking, Mobile Check Deposit, Bill Pay, eStatements, and 24 hour Telephone Banking – Learn more
  • Direct Deposit available
  • Unlimited FREE ATM transactions at any GAFCU, Allpoint and CO-OP ATMs
  • *A parent or legal guardian is required to open a checking account if the member is under the age of 18. After the member turns 18 they can have Overdraft privilege on their checking account but they will be required to open a separate checking account that offers that privilege. A joint owner is not required for a checking account from the age of 18 -21. At the age of 21 The Edge checking accounts will be converted to an Easy Checking account.

    To Reorder Checks Please Login into Online Banking and Follow The Steps or call 888-554-2328 or stop by any one of our branch locations. 

    Greater Alliance members have access to over 75,000 surcharge-free ATMs in the United States and worldwide.

Greater Alliance has partnered with the Co-Op & Allpoint® ATM networks so you can now access your account from surcharge-free ATMs anywhere you see these logos:

CoOp ATM LogoAll Point ATM Logo

VISA 3-D Secure

Automatic Security For Online Purchases

With online security being more and more important to our members, Greater Alliance Credit Union teamed with VISA to automatically provide our members with an update to our Verified by VISA program, the new 3-D Secure Version 2.0.

3-D Secure Version 2.0 is designed to make online purchases more secure by helping ensure payments are made by the rightful owner of the VISA account. Version 2.0 is smarter, faster and simpler to use, and it now supports all connected devices.

How it Works

1) Member enters their VISA account details
2) The online merchant sends the information to be authenticated
3) Through VISA, Greater Alliance Credit Union determines the transaction risk and may prompt you to verify your identity with a one-time password provided to the credit union. This happens in less than 1% of transactions.
4) Greater Alliance sends the authentication result to the merchant
5) The merchant submits transaction for authorization

Debit Card Purchase Rewards

Get Easy Cash Back by Using Your Greater Alliance Visa® Debit Card

Just use your debit card at participating retailers, and you can receive offers in Online or Mobile Banking for cash back rewards that are deposited directly into your checking account. Here’s how it works:

  • Log in to Online Banking to see your offers or view it through your Mobile App
  • Click offers to add them to your Greater Alliance Visa debit card
  • Shop with your card to redeem your selected offers
  • Enjoy cash back at the end of the next month

There’s no obligation, no limit to the number of offers you will receive, and no cost to earn your rewards!

Log in & View Your Offers

How Does Purchase Rewards Work?

All you need to start earning cash back with Debit Card Purchase Rewards is a checking account with a debit card, and Online or Mobile Banking. Using your debit card makes you eligible to receive offers from your favorite retailers – the more you use your card, the more offers you can receive, and the more rewards you can earn.

Finding & Activating Offers

Offers from participating merchants can be found in your account history. Whether you’re logged in to Online Banking or your Mobile App you’ll see your offers displayed beneath transactions. The rewards available vary, so keep an eye out for the best opportunities. To activate the offer, just click on it – it will automatically be loaded on to your card!

Redeeming Your Selected Offers

Once you have activated your offer, simply shop at the retailer, pay with your debit card, and if your purchase meets the requirement of the offer (there are specifics about when, where, and how much you need to spend for each offer), you’ll automatically earn the reward. Rewards vary by merchant and by offer.

Receiving Your Cash Back

Rewards are typically deposited to your account the month after you redeem the offer. For example, any rewards you earn in the month of January would be credited to your account by the end of February.

There’s no obligation, no limit to the number of offers you will receive, and no cost to earn your rewards!

Debit Card Alerts

Sign up for Debit Card Alerts today and choose the alerts you want to receive!

You choose which types of account alerts you want to receive, how you want to receive them. Whether by text message or email, Debit Card Alerts help protect you from fraud by putting you in control of your account information. Standard text message and data rates assessed by your mobile carrier may apply.

Get Consumer Alerts for:
• Large purchases (you set the amount)
• Online purchases
• International purchases
• Card not present

This is a completely FREE option; register your DEBIT card today.

Register Debit Card

Overdraft Line of Credit

An overdraft line of credit is a loan attached to your checking account. When the checking account gets overdrawn, your overdraft line of credit will be used to pay the overdrawn amount. The line of credit limit depends on the member’s credit score. Interest on the money borrowed will be charged.

  • Loan Limits: from $500 – $5000
  • Rates as low as 15.12% APR*
  • Payments: from $50 – $200
  • A low interest rate with monthly payments that are 3% of the principal loan balance

*APR=Annual Percentage Rate. 15.12% rate refers to individuals who qualify and have Payroll deduction/Direct Deposit. A full credit check will be required for all borrowers. All advertised rates are subject to individual qualifying factors and subject to change without notice.

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